Get Your Paperwork Sorted

Identification (100 points of ID)

Every applicant needs 100 points of ID, including at least one photo ID.

• Driver's licence (front and back)
• Passport (Australian or overseas)
• Medicare card
• Birth certificate or citizenship certificate, if you don't have an Australian passport
• Visa details, if you're not an Australian citizen or permanent resident
• Proof of your current address, such as a recent utility bill or rates notice

Income: PAYG employees

• Your two most recent payslips
• Your latest income statement from myGov (what used to be called a group certificate or PAYG summary)
• An employment letter confirming your role, start date, salary and whether you're full-time, part-time, casual or on contract
• Recent bank statements showing your pay going in
• Details of any other income, such as rent, Centrelink, Family Tax Benefit or child support

Income: self-employed

• Your last 2 years of personal tax returns and ATO notices of assessment
• Your last 2 years of business tax returns, if you trade through a company or trust
• Your last 2 years of business financials (profit and loss statement and balance sheet)
• Your recent BAS statements
• Your ABN and GST registration details
• Your accountant's name and phone number
• Details of any tax owing to the ATO, including any payment plan

Savings and deposit

• Statements for your savings accounts showing your deposit and how you've built it up over time (genuine savings)
• Statements for any term deposits, shares or other investments you plan to use
• A signed gift letter, if family are helping with your deposit
• Your deposit receipt, if you've already paid one
• Your latest superannuation statement

Current debts and liabilities

Include everything, even cards you pay off in full each month.

• Recent statements for any home, car, personal or investment loans
• Recent statements for every credit card, showing the limit
• Recent statements for buy now, pay later accounts such as Afterpay or Zip
• Your HECS-HELP balance from myGov, if you have one
• Details of any other commitments, such as store cards, guarantees, child support you pay or tax debts

Living expenses

• Recent statements for your everyday transaction accounts
• A rough monthly budget: groceries, bills, insurance, transport, school fees, childcare, subscriptions and the like
• Anything that's about to change, such as a new baby, a car purchase or going part-time

The property

• Buying: the contract of sale, signed by everyone
• Building: the signed building contract, plans and specifications, and the builder's progress payment schedule
• Building: the land contract, if you're buying the land separately
• Building: quotes for any extras not covered by the building contract
• Refinancing: your latest council rates notice
• Investment property: a rental appraisal or current lease
• Building insurance details (needed before settlement)

First home buyer extras

• Proof of citizenship or permanent residency for every applicant
• The First Home Owner Grant (FHOG) application form, which we'll help you complete
• Your First Home Super Saver (FHSS) determination from the ATO, if you're using it
• A note of any government home buyer scheme you'd like us to look at

Refinance extras

• Recent statements for your current home loan, showing the balance and repayments
• A payout figure from your current lender, or your loan account details so we can arrange one
• If you're on a fixed rate, details of any break costs from your current lender
• A note of what you'd like to achieve, such as lower repayments, consolidating debts or freeing up equity